Specializing in Group and Individual Health Insurance

Are you aware of the risks associated with needing long term care?

While people may recognize long term care costs as a significant risk to their standard of living, many don't have a plan to minimize that risk. Planning for long term care is critical... and long term care insurance can be a critical part of the plan.

If you're like most people, you set aside funds for retirement. But what have you allocated from your retirement portfolio to help pay for long term care? The costs can be staggering. A year in a nursing home averages more than $69,400 nationally and can exceed $160,000 in some parts of the country.(1) Round-the-clock home health care is generally even more expensive.

CONSIDER THAT:
-People are living longer. When you get old, you may get sick. When you get sick, you may need care.
-Only those with negligeible assets qualify for Medicaid.
-Medicare doesn't pay most nursing home bills.
-Your family, while willing to help, may not be in a financial position to do so.

It doesn't take much to imagine the effects these circumstances can have on your life and the lives of those you love. But you can prepare for the future with some simple planning, and long term care insurance should be considered part of the plan.

If you are ready to consider long term care insurance designed to suit your unique needs and preferences, call Kyle at 765-935-5655 to set up an appointment today!

(1) Information taken from Genworth Financial 2005 Cost of Care Survey. Conducted by Care Scout, an independent research firm, May 2005.

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